Top Financial Advisors in Boise, ID

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The Caprock Group, a large, fee-only advisory practice, is the top-rated financial advisor in Boise. Founded in 2005, The Caprock Group provides investment advisory, private wealth management and family office services. Its offerings include portfolio management, strategic asset allocation, third-party manager selection and ongoing monitoring. 

As a fee-only practice, neither Caprock nor its individual advisors receive sale commissions from third-party firms for selling financial products. Instead, the firm's revenue comes from the advisory fees that clients pay. 

In addition to its headquarters in Boise, Caprock has offices in Washington, California, Utah, Arizona, Colorado, Texas, Illinois, Florida and New York. Its team includes advisors and analysts who hold the Certified Financial Planner™ (CFP®) and chartered financial analyst (CFA) ceritifications. 

Although the firm does not specify a minimum investment or account size requirement, it primarily works with high-net-worth individuals. Its client base also includes individuals below the high-net-worth threshold and charitable organizations. For select clients, Caprock delivers comprehensive family office services, including investment coordination, performance reporting and cash flow modeling. The firm may also collaborate with legal, tax and estate advisors. 

Caprock designs customized, globally diversified portfolios using six asset classes: cash, fixed income, public equity, private credit, real assets and private equity. The firm blends client-specific goals, liquidity needs and risk tolerance into each portfolio, using both traditional and alternative investments. Caprock emphasizes capital preservation, risk management and manager due diligence, and offers impact investing options aligned with clients’ values.

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Mountain Pacific Investment Advisers is the second-largest firm on this list in terms of assets under management (AUM). The team features several chartered financial analysts (CFAs).

This fee-only firm calls for a minimum investment of $1 million for new clients, though this requirement may be waived under certain circumstances. As a result, its client base mostly consists of high-net-worth individuals, though it also serves non-high-net-worth individuals, retirement plans, trusts, estates, corporations, government entities and charitable organizations as well.

As a fee-only firm, Mountain Pacific's advisors do not earn additional compensation for selling insurance or securities. The firm and advisors' compensation comes solely from asset-based fees for portfolio management and fixed fees.

Established in 1973, independently-owned Mountain Pacific Investment Advisers is the oldest firm on this list. Principals William "Bill" Palumbo and Bruce Reeder founded the firm and remain its owners to this day. The duo averages more than 40 years of experience in finance.

In general, Mountain Pacific Investment Advisers deals with investment management and financial planning. At a deeper level, though, the firm is focused on asset allocation planning, performance reporting, coordination with legal and tax advisors, investor profile development and more.

Mountain Pacific Investment Advisers utilizes equities, fixed-income securities, mutual funds and exchange-traded funds (ETFs) to flesh out their clients' portfolios. To select the investments best suited for your personal needs, the firm employs the following strategies for each investment type:

• Equities: The firm uses a "bottom-up" approach to select stocks. More specifically, this involves a fundamental analysis of the companies' finances and the market they reside in. Diversification across the entirety of a market is integral.
• Fixed-income: These investments consist of certificates of deposit (CDs), preferred stocks, U.S. bonds and corporate bonds that are used to balance the volatility of equities. The firm believes in a passive approach that looks to ladder these securities for the long-term.
• Mutual funds/ETFs: Mutual funds and ETFs are used to invest in the stock market without having to select individual equities, which is a risky venture.

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You won't need to meet a minimum account balance to work with Aspen Capital Management, a fee-only advisory firm, but you will be subject to a minimum quarterly fee of $1,250. Almost all of the firm's clients are individuals with a high net worth. The firm also maintains relationships with charitable organizations, non-high-net-worth individuals, families, trusts and estates.

Lead financial advisor Mike Mers founded Aspen Capital Management in 2002. Today, he leads a team that includes advisors with the Certified Financial Planner™ (CFP®), chartered alternative investment analyst (CAIA) and chartered financial analyst (CFA) designations. Like other firms on this list, Aspen Capital Management appears on our list of the top advisors in Idaho.

Aspen Capital Management provides general services that are then customized to fit the needs of each client. For example, the firm has investment supervisory, financial planning and asset management services. Some financial topics it has experience with are estate planning, tax management and minimization and more.

Aspen Capital Management employs a strategic asset allocation approach centered on global diversification. Portfolios primarily use mutual funds and ETFs (particularly from Dimensional Fund Advisors) and may include global equities, global real estate investment trusts (REITs) and multi-sector bond funds. Asset mixes are tailored to each client’s objectives, with risk management as a guiding principle. Additional holdings may include individual stocks, bonds, municipal securities and U.S. government securities.

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Perspective Wealth Partners, a fee-only firm, that mainly works with indiividuals and high-net-worth individuals. The firm, which does not institute a mimimum account size or initial investment, also serves charitable organizations. The firm's advisory team includes Certified Financial Planners™ (CFPs®) and certified public accountants (CPAs).

As a fee-only practice, Perspective Wealth Partners and its advisors earn compensation solely from the fees that advisory clients pay, not commissions for selling financial products. Founded in 2006, Perspective Wealth Partners offers a variety of investment and general financial services, including investment analysis, budgeting, risk management, insurance planning, retirement planning, stock option planning, education fund planning and more.

Perspective Wealth Partners focuses on your comprehensive situation as a client when investing your money. This involves working with you to formulate an investment policy statement that details everything your financial plan and investment portfolio should account for. For example, that involves your risk tolerance, time horizon, income needs and long-term financial goals.

The firm believes that index investing outperforms active management and that a portfolio's asset allocation is what determines its return and variability. As your portfolio ages, your advisor will consistently review your returns and how they affect your portfolio's overall asset allocation. Depending on how things shake out, your portfolio may be rebalanced. 

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The Helmstar Group has a higher account minimum than most of the other firms on this list. The firm suggests a minimum account balance of $500,000. In certain situations, though, the firm may be willing to accept clients who have less than that. However, it currently works with more non-high-net-worth individuals than their high-net-worth counterparts. Other clients include charities, pension and profit-sharing plans, and government entities.

The firm also boasts a solid number of advisor certifications, including the Certified Financial Planner™ (CFP®), chartered financial analyst (CFA) and chartered financial consultant (ChFC) designations. As a fee-based firm, some of these advisors can sell insurance products on a commission basis. While this presents a potential conflict of interest, the firm's fiduciary duty binds it to act in clients' best interests.

The Helmstar Group was established by co-founders Ben Boettcher and Tom Steelman in 2007. The duo remains the principal owners of the firm, and they share over 40 years of combined experience in financial services.

Services offered at The Helmstar Group include:

• Financial planning
• Portfolio management
• Investment advice on unaffiliatedprivate investment funds
• Pension consulting services
• Rollover recommendations

Five concepts make up the core of what The Helmstar Group believes will result in a well-performing portfolio: asset allocation, portfolio structure, tax management, multiple specialist managers and continuous portfolio management. The firm says that it most often invests its clients’ assets in mutual funds and exchange-traded funds (ETFs).

Your advisor will further tailor your account to meet your liquidity needs, so you can see returns in the near future if necessary. This short-term ideology is paired with a long-term mindset to pursue sustained growth. The balance between these opposing notions varies, however, depending on your time horizon.

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Berkeley, Inc. is a fee-only firm with a small team of financial advisors, some of whom hold the Certified Financial Planner™ (CFP®) and chartered financial analyst (CFA) designations.

Rather than impose a minimum investment stipulation, Berkeley has chosen to implement a minimum annual fee of $2,500. Based on the information available in its Form ADV, the firm's entire client base is made up of individuals with and without a high net worth. Berkeley also has several institutional clients.

As a fee-only firm, Berkekely, Inc.'s compensation comes solely from the fees it charges advisory clients. The firm has been in business since 1996. Today, there are two main tenets to its advisory services: financial planning and investment management. Here are some of the firm's offerings:

• Cash flow management
• Tax planning
• Retirement planning
• Estate planning
• Education funding
• Insurance review

Combining the benefits of multiple investment philosophies, Berkeley, Inc. may invest in both passively and actively managed ETFs and index funds. This helps balance the overall risk profile of your portfolio, while increasing the return potential within the confines of that risk tolerance.

The firm aims to globally diversify portfolios to ensure that the success of your investments isn't overly attached to a specific area of the market. For portfolios smaller than $250,000, Berkeley avoids investing in equities altogether.

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Wood Tarver Financial is a fee-only advisor that works primarily with individual clients. Of those individuals, over 80% are individuals with less than a high net worth. The firm also works with a select group of charitable organizations. It provides a variety of financial advisory services to clients, and does not require any minimum account size for new or existing clients.

As a fee-only firm, Wood Tarver does not receive commissions from any third parties. This prevents a potential conflict of interest. A fee-based firm, which would accept commissions from the sale of certain financial products, may be subject to situations like that.

The team at Wood Tarver Financial includes advisors with the Certified Financial Planner™ (CFP®), certified public accountant (CPA) and chartered retirement plans specialist (CRPS) designations.

Wood Tarver Financial was founded in 2007 by Kelly Wood. Unfortunately, Wood has since passed away. Eric Tarver, a family wealth planner and chief compliance officer, owns the firm. He has been with the firm since 2018, having previously worked for KPMG.

Wood Tarver provides its clients with a slew of financial advisory services, all through its comprehensive portfolio management wrap fee program. The firm only provides these services on a wrap fee basis, which is uncommon for a financial advisory firm. This means you'll pay a single fee that covers your advisory services, as well as brokerage fees, trading costs and other account-related expenses. All assets at Wood Tarver are managed on a discretionary basis.  

Wood Tarver Financial's investment strategies vary depending on the financial goals of each client. Advisors create a financial plan along with each client, properly determining their tolerance for risk, financial objectives, investment history, and any other relevant information to crafting an effective investment strategy. 

Advisors at Wood Tarver use a combination of stocks, bonds, ETFs, options, mutual funds, unit investment trusts (UITs) and other investments to help drive growth in client portfolios. Portfolios are then continuously monitored to make sure that client goals are being met.

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Arrien Investments is a fee-based firm serving individuals, high-net-worth individuals, retirement plans, charitable organizations, corporations and other business entities. 

Arrien Investments does not have a minimum account size requirement, although it does charge a minimum annual fee of $300. Clients pay a fee that’s based on a percentage of their assets under management. The firm offers basic financial planning services at no additional charge for clients who have at least $100,000 of assets under the firm's management. For clients with less than $100,000 of assets or for complex financial planning needs, additional hourly fees may apply. 

However, advisors on staff may earn commissions when selling securities or insurance in their separate capacities as broker-deal representatives and/or insurance agents. While this is a conflict of interest, the firm has a fiduciary duty to act in clients’ best interests. The firm has one Certified Financial Planner™ (CFP®) on staff. 

Arrien Investments was established in 1998 and registered with the SEC in 2022. The firm offers a wide range of services to cater to the individual needs of their clients, including investment management, budgeting and cash management, risk management and insurance planning, and other types of financial planning relating to specific life or business events. For clients looking to plan for the future, the firm also provides estate planning and estate settlement services.

Arrien Investments uses a comprehensive investment approach that focuses on asset allocation to achieve client's investment goals and align with their risk tolerance. The firm utilizes a combination of strategic and tactical asset allocation strategies to determine the appropriate mix of securities, fixed income and cash within client accounts. 

Furthermore, the firm relies on a "buy and hold" strategy, recommending long-term purchases of securities with the intention of holding them in client portfolios for a year or longer. This approach emphasizes the importance of patience and a focus on long-term investment objectives.

In terms of typical investments, Arrien offers a diverse range of options. These include individual stocks, corporate and government-issued bonds, mutual funds, ETFs, real estate investment trusts (REITs), cash and cash equivalents, unit investment trusts, options, as well as variable annuities and other insurance products. 

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BR Wealth Management is a fee-based firm that's been in business since 2011, offering clients portfolio management (discretionary or non-discretionary), financial planning and pension consulting. The firm also provides access to model portfolios, third-party money managers and digital investment platforms like Betterment. 

While there is no minimum account size requirement, prospective clients should keep in mind that advisors may earn additional compensation when recommending certain products and services. This represents a conflict of interest, because it advisors have a financial incentive to make certain recommendations over others that may be more appropriate. However, the firm has a fiduciary duty to act in your best interests. 

BR Wealth Management primarily relies on a long-term, buy-and-hold investment strategy tailored to each client’s financial goals, risk tolerance and time horizon. Portfolios typically include stocks, bonds, ETFs, mutual funds and other public and private investments. The firm may use model portfolios, third-party managers or robo-advisors like Betterment to build diversified portfolios and may adjust allocations based on changing economic conditions and client needs.

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Tumwater Wealth Management concludes our list of the top financial advisors in Boise. This fee-only firm works with individuals both with and without a high net worth, retirement plans, charities, insurance companies and businesses. It's not hard to qualify as a client with Tumwater, as the firm's family minimum account size requirement is just $5,000.

As a fee-only firm, Tumwater does not receive third-party commissions. Founder and co-owner Ben Warren holds the chartered financial analyst (CFA) designation. He leads a small team that offers a variety of services to clients, including portfolio management, comprehensive financial planning and pension consulting. Its offerings include retirement and education planning, insurance and real estate analysis, budgeting support and investment advice tailored to each client's financial goals and risk tolerance. 

Tumwater, which opened in 2018, looks to tailor its investment advice to the wants and needs of each client. Each client relationship begins with an interview or series of meetings to properly determine their investment needs and requirements. The firm may use model allocations to help develop a client's portfolio. The firm relies on fundamental, quantitative and technical analysis to help them inform complicated investment decisions. It also relies on modern portfolio theory and takes a long-term, buy-and-hold approach to investing.

When it comes to specific securities, the firm generally offers investment advice on mutual funds, fixed-income securities, real estate funds (including REITs), insurance products, equities, ETFs (including those focused on gold and precious metals) and Treasury inflation-protected or inflation-linked bonds.